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Can I Make Changes To My Policy?

Yes, you can make changes to your fleet insurance policy at any point. The process is very easy and requires only a few minutes over the phone. To make changes to your policy today, simply call one of our friendly advisors on 0800 231 5129 or send us an email and be sure to quote your reference number if you have it available.

What Changes Can I Make To My Policy?

It is common to make changes to your policy for the following reasons:

  • New vehicles
  • New payment details
  • Additional drivers
  • Car, Van or Bike modifications
  • Changing your name
  • New home or work address
  • Classes of Use (social, domestic or work)
  • Increase/decrease level of cover
  • Increase/decrease level of excess cover

What Information Do I Need To Make Changes To My Policy

Please make sure that you have your policy number available when speaking to us about changing your policy. The main policyholder is the only one that can make changes to their account unless they give permission for someone else to do so i.e parent or spouse. This is to be compliant with the Data Protection Act 1998.

It is for this reason that the only available method to make changes to your policy is by confirmation over the phone. If you prefer, you can request a call back and one our team members will get in touch with you as soon as possible

How Long Does It Take For Changes To Go Through? 

Changes made to your policy can be processed and made active immediately after speaking to you. The only exception is if the insurer needs the case to be referred, meaning the details are sent to our technical team and they will contact your insurer directly to confirm the changes.

If you are making changes to a direct debit payment date, this may require a few days to process depending on your payment date. We therefore recommend calling us at least 7 days before a payment is due to avoid any confusion.

What Changes Can Increase The Cost Of My Premium? 

There are various changes that could cause your premium to increase and these include:

Upgrading your vehicle – purchasing a vehicle with a higher group rating may cause your premium to increase. Higher rated cars and vans tend to have bigger engines, higher specs and are more costly to repair and replace, hence they are more to insure. For example, upgrading a basic mini-van to a heavy goods vehicle comes with greater risks because they are larger and harder to steer – so you premium would be higher to account for this.


Modifications  – if you have added modifications to your vehicles including engine tuning, automatic doors, paint jobs, interior changes, this may raise the cost of your premium as your vehicle is now worth more and will therefore be more costly to repair or replace. The only modifications that would not illicit a higher premium including adding things like security features such as CCTV cameras or immobilisers as this could help you track down thieves or assess a claim more accurately. Furthermore, if you are adding disability access for a specific driver in family or company, your insurer may not consider charging you more for this.

Upgrading your cover – if you have third party only cover and are looking to upgrade to fully comprehensive cover, this will increase the cost of your insurance. It is common to get more cover if you are doing a lot of mileage and having a fully comprehensive policy will allow you to make claims for any damages and repairs to your vehicle in the event of accidents, fire, flood and theft. By comparison, if you are doing less mileage, you can always decide to downgrade your cover and this will cost you less.

Your address – if your business has moved to a different area with increased crime rates, busy roads, hazards or adverse weather conditions, this may increase the cost of your insurance as there is a greater risk of being involved in an accident or making a claim.

Classes of Use – this refers to the purpose of your fleet insurance. It is likely that you use your policy for business purposes, whether it is doing couriering or taxi jobs. However, if you decide to do long haul driving too, this could bring about different risks so you need to update your information with the insurer. Failing to update your insurance provider accordingly may cause future claims for those jobs to be void.

Additional drivers – it is common to put additional drivers or named drivers on your fleet policy for new or extra employees. However, adding a number of young drivers to your insurance policy may increase the cost of your premium as your car may be at a greater risk on the roads, but adding more experienced drivers in their 40s and 50s may give you a very competitive rate.


If the changes you make to your policy result in an additional cost, we can either accept a full card payment or spread the additional costs over the customer’s remaining instalments. The policyholder will require at least 3 instalments remaining to use this facility.

Getting A Policy To Suit Your Needs 

At Fleets Insurance, we are committed to making sure that you have a policy to suit your needs. So for whatever changes you wish to make to your policy we will ensure that the costs are limited and the process is as smooth as possible.


By speaking on the phone, we can find out exactly what you want and find the best policy and terms to suit your requirements. Who knows – you could require a whole new policy altogether. We can certainly help make suggestions that are in your best interests. We have partnered with one of the leading insurance brokers in the country and have experience making amendments to all different types of policies. You are welcome to call us anytime on 0800 231 5129 to speak to one of our advisors.


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